I'd love to tell you that mortgage rates are the be all end all, and that I always have the lowest rates on the market, but that's not true. While I do have access to numerous lenders that have amazing rates, rates is actually only a small piece of the mortgage puzzle. It's the shiny object that big banks like to dangle in front of you, but there are other important things in your mortgage terms that we need to look at to make sure you're in the right product that works for you. For example, one bank might have a super low advertised rate, but only a small percentage of the population can actually access that rate. Or in other scenarios, you can access a lower rate but you're required to take on other mortgage insurance products that actually end up costing you more. I'm here to help you make sure you get the best deal all around, not just the best rate.

Yes! Not all lenders are created equal, and some of them prefer traditional T4 salaried income, while others specialize in financing for small business owners and self-employed individuals. I'm here to help you find the right one!

Everything.

Just kidding (kind of 🤪).

When you're ready to apply for your mortgage, I will send you a list of the documents you'll need to gather and this is what I use to create a package that gets sent off to the lenders to approve your mortgage. I will ask for things like your Notice of Assessments for the last 2 years from CRA, T4's for the last 2 years, 2 recent paystubs, current debts etc. I make this process as easy as possible and I'm always available throughout the process to make sure you know exactly what you're looking for and where to find it.

Technically yes, if you fit into their strict lending criteria that is. Most big banks have fairly rigid criteria that they use to determine who they will lend money to, and it's not always the easiest to fit into that box. If you already have a pre-approval from your bank, I can still take a look at it for you and make sure it's the best deal for you. If you've been turned down by your bank, then let's get this party started and apply with other lenders ;)

Yes, in almost all cases working with me is free. Even my own father never understood how this works! But it is true. We work on contingency and receive a commission from the lenders. In tougher cases, if we have to go to a private lender, fees may apply however you would be well aware of this. Although the lenders pay our commission, my fiduciary responsibility is always to you!

We don't all have squeaky clean perfect credit bureaus, don't worry!
We’ll explore your options together. I have access to numerous lenders who specialize in different financial situations including less than ideal credit scores or self-employed income for example.

Fun fact, it's actually illegal in Canada to discriminate for mortgage financing based on age. So, woohoo! What actually determines what you qualify for on a new purchase, a renewal, or a refinance is your current income, debt, other assets etc. So, get on with your bad self ;) There’s mortgage products specific to aging in place too, like reverse mortgages.